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Manage your

Student account

Explore your Student account

The Royal Bank of Scotland student account is designed to make your life in higher education just that wee bit easier, we offer a choice of benefits, banking through the mobile app and a interest free £500 arranged overdraft in the first term and up to £2,000 after that.

For international students there is a £10 monthly fee that will be automatically charged to your account.

Stay on top of it all with a choice of three offers

With your Student account you have a choice of one of the following benefits:

Using my bank account

Report my card lost, stolen or damaged

If you think your debit card or any of your card details, such as the PIN may have been stolen, you should report it to us to avoid the possibility of fraud.

Please check the transactions on your account, and call us as soon as possible on:

UK: 0370 600 0459
Overseas: +44 1268 500 813
Minicom: 0800 917 0526

Once you’ve reported your debit card as stolen, we will send out your new card which will be with you in five working days.

If your card is damaged or lost, you can order a replacement online in less than 2 minutes – that's less than half the time it takes if you were to phone us (5min 10s). Simply log in and go to the 'Cards' option in the left hand menu, then choose 'Manage your debit card' or 'Manage your credit card'.

From there, you can choose 'Report your card lost and order a replacement' or 'Order a replacement for a damaged card'.

Set up, change or cancel a Direct Debit

A Direct Debit is an agreement between you and the organisation you’re paying, which allows the organisation you want to pay to collect varying amounts from your account – but only if you’ve been given advanced notice of the amounts and dates of collection.

Setting up a Direct Debit is an easy way to manage your regular and occasional bills.

What are my rates and charges?

Set up, change or remove an arranged overdraft

An Arranged Overdraft is a short-term way to borrow and can be a really useful way to pay for unexpected bills. An Arranged Overdraft means we’ve approved extra funds for you, which are available on your current account.

How do I use Apple or Google Pay?

Google Pay is the fast, simple way to pay with your Royal Bank of Scotland debit or credit card in stores and online using your Android device. You will still continue to receive all the benefits and protections you enjoy with Royal Bank of Scotland.

Get the most from your card

If you're new to the Royal Bank of Scotland, we'll post your Visa debit card and PIN separately within a few days of opening your account. Once your card arrives we'll explain how to activate it.

Already a Royal Bank of Scotland customer?
If you're already a Royal Bank of Scotland customer and have recently changed your account, there's no need to activate. You get to keep your existing card and PIN.

If your existing card is not Contactless and you have an eligible account, you can request a new card, giving you a quick and simple way to make purchases up to £30.

Move your Direct Debits

The Switcher Service helps you to move all your Direct Debits to the Royal Bank of Scotland from another UK bank account or building society. We do all the work for you so it is simple and hassle-free and it just takes 7 days.

Any credit balance from your old account will be transferred

Your account with your old bank will be closed

All your Direct Debits will now come out of your Royal Bank of Scotland account

If you only want to move some Direct Debits from another bank you need to contact the supplier who you pay the Direct Debit to and provide them with updated details to take the Direct Debit from your Royal Bank of Scotland bank account.

If you're looking for an account with more features, such as car breakdown cover and travel insurance, you may be interested in one of our packaged accounts, such as the Reward Silver or Reward Platinum account. Other non fee paying accounts are available.

Our Life Moments section is here to help you take control of your finances as you take those first steps as a student. From moving tips to banking and travel advice, the Royal Bank of Scotland is here to support you at every turn.